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Charges in my bank account?????

I was charged $108.86, $$54.43, and $13.54 with a debit card that was in my name that I never had received nor knew about. I’ve looked through my subscriptions and there is nothing that shows these amounts. What, why and whom did this? I am now in the minus and on disability the money I had was for my bills. I live on a monthly income! I’ve filed dispute with my bank, called the Apple billing, received a link and nothing… HELP PLEASE

iPhone 14, iOS 16

Posted on Apr 23, 2023 8:09 PM

Reply
Question marked as Top-ranking reply

Posted on Jan 30, 2024 11:11 AM

I am dealing with this same exact problem currently for the same exact amounts charged TWENTY FOUR TIMES IN A ROW totaling over $1.200!!! From what I’ve researched this is not related to Apple purchased but is being disgused somehow my the scammer putting the merchant id as Apple so it looks like a legitimate charge. Most people have iPhones and recurring subscriptions, family sharing, etc so I’m sure these scammers get away with stealing massive amounts of money from people’s accounts who never even know it’s fraudulent. What’s odd too is when all these transactions posted every single transaction’s terminal ID number changed and the merchant name then appeared now showing Apple.com/bill CA. But when they were pending it showed Apple.com/bill, Cupertino, CA with a different terminal ID. Not sure if that’s normal but all my other purchases show the same merchant name and ID when pending and after posted. I’ve disputed every single one of these charges with my bank and filed a report with the FTC as this has been happening for YEARS from what I’m reading.


[Edited by Moderator] 


7 replies
Question marked as Top-ranking reply

Jan 30, 2024 11:11 AM in response to Tamara0316

I am dealing with this same exact problem currently for the same exact amounts charged TWENTY FOUR TIMES IN A ROW totaling over $1.200!!! From what I’ve researched this is not related to Apple purchased but is being disgused somehow my the scammer putting the merchant id as Apple so it looks like a legitimate charge. Most people have iPhones and recurring subscriptions, family sharing, etc so I’m sure these scammers get away with stealing massive amounts of money from people’s accounts who never even know it’s fraudulent. What’s odd too is when all these transactions posted every single transaction’s terminal ID number changed and the merchant name then appeared now showing Apple.com/bill CA. But when they were pending it showed Apple.com/bill, Cupertino, CA with a different terminal ID. Not sure if that’s normal but all my other purchases show the same merchant name and ID when pending and after posted. I’ve disputed every single one of these charges with my bank and filed a report with the FTC as this has been happening for YEARS from what I’m reading.


[Edited by Moderator] 


Apr 23, 2023 8:18 PM in response to Tamara0316

If you prefer a somewhat more descriptive list that includes a few reasons and solutions not mentioned in the article posted earlier:


The support article If you see 'apple.com/bill' on your billing statement - Apple Support explains how you can check your iTunes and App Stores purchase history, cancel subscriptions, and track possible sources of unrecognized Apple charges you may see on a bill. These may be purchases by family members if you are an organizer of a Family Sharing group, or possibly a second Apple ID you use. The article also provides a specific link for contacting Apple if you cannot trace the source of charges. If you use Apple Card you may find this document helpful too ➞ If you see an Apple Services charge you don't recognize on your Apple Card - Apple Support


Also note this service: View your App Store and iTunes Store purchases directly from your financial institution - Apple Support

"When you sign in to your financial institution website or mobile app and view your recent purchases from the App Store, iTunes Store, Apple Books, or for Apple Music or iCloud services, you may see an option—such as View Receipt—that allows you to view more details about your transaction."


Other possibilities to consider (not all may apply in your situation):

● Purchases can be made with your ID if your Apple ID is compromised (read what to do ➞ If you think your Apple ID has been compromised - Apple Support ) or somebody else has access to your device (require a purchase password as explained in this article ➞ Require a password for App Store and iTunes purchases - Apple Support ).

● If you only see a charge in emails or texts that are not official Apple receipts, it is likely phishing attempts ( Recognize and avoid phishing messages, phony support calls, and other scams - Apple Support ).

● If you are absolutely certain neither you, nor Apple, nor a Family Sharing member can account for a charge and it ONLY appears on a bill for a charge card you alone control, you may have been the victim of card fraud. Contact your financial institution.

● Small amounts of ~$1 may be an authorization hold that will be refunded (pending charge ➞ How apps, content, and subscriptions from Apple are billed - Apple Support ).

● Unanticipated amounts may be grouped charges ( How apps, content, and subscriptions from Apple are billed - Apple Support ).


If a purchase is listed in your purchase history and you want to ask for a refund, read this article about how to request a refund for apps or content that you bought from Apple ➞ Request a refund for apps or content that you bought from Apple - Apple Support


If a Family Sharing member made the purchase then you need to discuss this with that person. They would have to initiate any refund request.


If a reporting a problem request is unsuccessful or you have another issue you can also speak with Apple ➞ Choose your country or region - Official Apple Support Select your country, then a product.

or:

Contact Apple for support and service ➞ "See a list of Apple phone numbers around the world."

Click here ➞ https://support.apple.com/HT201232



Apr 23, 2023 8:17 PM in response to Tamara0316

This support article is Recommended by Apple as the preferred* resource for identifying payments you may see on a bill.

If you see 'apple.com/bill' on your billing statement - Apple Support


"If you checked https://reportaproblem.apple.com and your emailed receipts and you're still not sure why you were charged, contact Apple Support" using this link --> https://getsupport.apple.com/?caller=ikb&PGF=PGF51002&category_id=SC0060&symptom_id=21084

______

* I have a payment of $2.99 per month what … - Apple Community


Charges in my bank account?????

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